Applied Bank

Review: I have contacted this merchant by phone and via email regarding this fraudulent account ending in 4914. This account was opened without my knowledge or consent. I have repeatedly asked for Applied Bank to provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance they believe I owe, if any. The have ignored all of my requests through the three credit bureaus. Calling has yielded no results. I have absolutely no docs to support the opening of this account. In addition, the account was connected to an address and phone number I have never had nor lived in.Desired Settlement: Under the provisions of FCRA 623(a)(8)(E), they have the duty to review all of the information in this Notice of Dispute, to complete their investigation, and report back to me the results of that investigation.

In addition, I humbly request that they provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe. I ask that it officially be removed from my consumer reports specifically Transunion, Equifax, and Experian as it in no way was opened/approved/taken out by me. If the matter is not rectified accordingly I will hire an attorney to help me in this matter.

PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM ALL OF MY CREDIT REPORTS!!!!!

Business

Response:

May 6, 2015

I am writing in regards to your May 1, 2015 inquiry concerning Mr. [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with Mr. [redacted] via written correspondence mailed on May 8, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. [redacted] directly.

Please contact the Executive Correspondence department Toll-free at [redacted], between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I had a Gold MC with this company and they closed my account without my knowledge or informing me. I was furloughed twice in 2013 due to the government budget crisis. Once it was effective, I notified them by letter along with proof of my job situation and it was ignored never received a response. I paid them over $155 payment in December and it stated I had a credit available amount of $280. Once I used my card I was told that the card expired. I called the bank and they told me at that time that my account was closed and they rescinded the payment. Therefore, I owe a balance of $220.00. I don't want fees to incur due to their lack of communicating with me. I have made several attempts to contact them via phone and in writing to no avail.Desired Settlement: Settle the account for $150 and report to all credit bureaus as paid as agreed.

Business

Response:

February 11, 2014 I am writing in regards to the January 30, 2014 inquiry concerning [redacted] The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with [redacted] on February 11, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.

Please contact the Executive Correspondence department Toll-free at ([redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter.

Sincerely,

Review: Company has failed to close my bank account and didn't send me any bills. Months later after I paid off the account and insisted they close the account, they send me to collections for $300 and I never used the card! I dispute the charges and insist they repair the damage to my credit report. They promised a call within 48 hrs to discuss my dispute and they never called me and it has been 4 days.Desired Settlement: Close, zero balance since I never used the card and fix my credit.

Business

Response:

October 17, 2013 [redacted]

I am writing in regards to your October 8, 2013 inquiry concerning [redacted] The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with [redacted] on October 17, 2013 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.

Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Review: In December 2012 -- I opened an account with AppliedBank. My credit limit was $500.00. Things seemed good. InAugust 2013 things were going down hill. I paid a payment at first of June on the 5th and 16 June, as I knew I would be out of town early August. August came and the bank charged me a late fee for August payment. due on August 2nd. I paid another pay August 4th. There should not have been a late fee. In addition they had a 10.95 maint fee and a 9.95 fee, On the web it showed I had 35.00 available. I used 25.00 for my nails and all went down hill from here. The customer service is the worst I have ever delt with. I called and a person with very rude tactics said I can not help you go on line and look at your statements. We charged you an over the limit fee. I can not help you. I said give me your Department Head Manager. The uneducated person then told me we don't have deparment managers I have a manager. I said give me your Department Head Manager who can straighten this out. The person then transferred me to a George who said he was at the front desk. He said hold on and hung up on me. I then called back and said I would like the speak to your Department Head Manager at this point a male with bad english said we don't have a Department Head Manager. I said ok let me have you Cancellation Department. A lady then comes on the phone and says we dont have a Caneallation Department. I then stated I want to cancel my card. I will pay payments of 35.00 until my debt is clear. The lady then says we dont have a Cancellation Department. I repeated again, I want to cancel my credit card. A lady she said I am Collections department. You owe us $105 dollars. I said I do not I want these rediculous fees late fee etc removed and I will pay my monthly 35.00 and at times more until this debt is clear. She said no you have to pay $105.00 plus interest on this account. I then stated cancel this credit card. You have the worst non caring non helpful customer service I have ever delt with. The card is now cancelled at my request. My payment is now $105 on sept 2 with add on costs which are not reasonable. She was rude. I said I want my statements sent to me she said you cannot have them go on line and view them or pay $3.00 each for them snet to you. I am in collections we have no Cancellatlion Depatment. You are only allowed at this point to view recent statement for August! Todate Applied bank calls me every day about my account. Please note the $105 they claim I owe is not due until September 2nd. this is harrassment. Stop calling me. Work with me to resolve this issue and they will be paid.Desired Settlement: Remove the late fee which was not late. Removed the fees. I will pay $35.00 per month on the 2nd of each month, and on some pay days during the month more, until this debt is paid in full. I want others to know Applied Bank does not care about its clients. I advise others to be aware of poor customer service.

Business

Response:

September 10, 2013 R[redacted]

I am writing in regards to your August 23, 2013 inquiry concerning [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with [redacted] on September 10 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.

Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Consumer

Response:

Review: This account was settled via First National Collection agency after I was offered a settlement of $490. Applied bank is still reporting on my credit report that I owe them $980 after I was told this would clear up the account and remove it from my credit report. Not only is it still showing on my credit report, but it still shows that I owe the full balance. I have requested that it be removed as promised, but was told by a representative at Applied Bank that it needed to be handled by the collection agency that has it. Then the collection agency says it has to be handled by Applied Bank as they are the one's who are still reporting. I am getting the run around. I paid as I was asked and I would like the account to be removed as I was promised.Desired Settlement: I would like the account to be removed from my credit report and balance adjusted to zero as promised.

Business

Response:

February 12, 2015 I am writing in regards to your February 5, 2015 inquiry concerning Ms. [redacted].

The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with Ms. [redacted] via written correspondence mailed on February 12, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. [redacted] directly.

Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Sincerely, [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I'm contacting Applied Bank in regards to account that appears on my credit. Acct # [redacted]

Please provide the follow :

1- Proof that I am the debtor in question

2- Verify amounts owed and the breakdown of the amount owed

3- Any transactions with the original creditor

4-Verify the original creditor

5-Proof that you are licensed and bonded to collect in the state of GA

6- I'm contacting your in regards to account that appears on my credit.

7- Any Judgments (if applicable)

8-Proof that you own this debt and are entitled to collect on it

Any other sufficient documents that will support your claim.

Thanks

Email :[redacted]

CONFIDENTIALITY NOTE: This e-mail message, including any attachment(s), contains information that may be confidential, protected by the attorney-client or other legal privileges, and/or proprietary non-public information. If you are not an intended recipient of this message or an authorized assistant to an intended recipient, please notify the sender by replying to this message and then delete it from your system. Use, dissemination, distribution, or reproduction of this message and/or any of its attachments (if any) by unintended recipients is not authorized and may be unlawful.Desired Settlement: Correction to a credit report, with a Zero balance statement.

Business

Response:

September 17, 2015

I am writing in regards to your September 8, 2015 inquiry concerning Mr. [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with Mr. [redacted] via written correspondence mailed on September 18, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. [redacted] directly.

Please contact the Executive Correspondence department Toll-free at [redacted], between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Sincerely,

Review: I have had a credit card with this company for over ten years. I have always paid my bill over the telephone and I have never had any major issues with this company until about five months ago. I suddenly stopped receiving statements from the company. I thought it might have just gotten lost and waited a couple of months before contacting the company. Upon contacting the company, I was informed that I had put in for a change of address on the credit card and my statements were now going to an address in another state. I did not request, nor authorize this and informed customer service of this problem. They stated they were issuing me a new credit card and would mail it to me and correct the situation. They did start back sending my statements to my address, however, I have yet to receive a credit card. I have contacted the company at least two times regarding this issue, but still do not have a resolution. Also, they are charging me $30.00 each time for a replacement card for their mistake. It is bad enough that this company charges $15.00 per month for an unknown "maintenance fee", but now they are charging me for their mistakes as well. Also, as I do not have a credit card number due to not having the actual card, I am unable to make a payment on the phone or on the internet. The statement I receive does not provide a complete credit card number. Now I am incurring late fees, unnecessary fees and it is adversely affecting my credit. Customer service has not resolved this problem. The last time I called, they wanted to charge me $12.95 to make a payment by telephone. As I do not have access to a full account number, I am unable to make the payment over the internet.Desired Settlement: I would like for the company to issue me a new credit card and actually send it to my home address. Also, I would like a complete refund of all charges that have been incurred due to their mistakes and any negative information provided to my credit report regarding this.

Business

Response:

May 6, 2015

I am writing in regards to your April 28, 2015 inquiry concerning Mr. [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with Mr. [redacted] via written correspondence mailed on May 7, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. [redacted] directly.

Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Sincerely, [redacted]

Review: I was always on time with applied bank credit card and had a 500 dollar limit I was paying bill on time but it kept saying I was paying late and getting charged fees when I was not late and now there saying I owe them 985 dollars and I do not owe them anywhere near that much . this is now sitting in collections on my credit report as well I owe them 984 now when I always paid on time . im wanting this company to make things right by me and remove this off my credit report and also take off these negative charges . im not going to take responsbility for theses debts even if I have to hire a lawyer to get my credit back and to elimate these falsey chargesDesired Settlement: I want these charges to come off this credit card that are not mine and to take these negative action this company made off my credit report immeditaty

Business

Response:

February 13, 2015 I am writing in regards to your February 4, 2015 inquiry concerning Ms. [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with Ms. [redacted] via written correspondence mailed on February 13, 2015. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. [redacted] directly.

Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Sincerely,

Review: I applied for a secure credit card with Applied Bank a year and a half ago. They advertised helping those with not so good credit rebuild their credit. One of the main reasons I applied for their card is because of their offer for credit limit increases. Quoting from their website, which has been posted on the site since I joined in January of 2013, states...

Credit Limit Increase

"Credit Limit Increases are offered based on the length of time an account has been open and payment history of the account. Selected accounts will receive Credit Limit Increase offers periodically which may be subject to fees."

Seeing it has been a year and a half and I have not faulted on a single payment in that time, I called Applied Bank to see if I qualified yet on a limit increase and to see what the "length of time an account has been open " was. I was told by a representative that the only way I could increase my limit was to deposit more of my own funds into my account because they are not giving increases. When I asked about the length of time required as per their website, I was given the same answer with no explanation. I even asked for the criteria one must fit in in order to qualify. Again, I was told that it was irrelevant because they are not giving limit increases. This is false advertising and a way to bait new customers into joining and not receiving the benefits the site claims.

http://cardcenter.appliedbank.com/cli.jspDesired Settlement: The information given to a customer at the time the contract is signed should be valid and forthcoming. I have monitored the unchanged presence of Applied Banks statement on their own website for a year and a half now that they honor limit increases to those who qualify. I would like an explanation of those qualifications and a determination as to whether I qualify or not.

Business

Response:

August 11, 2014 I am writing in regards to your July 25, 2014 inquiry concerning [redacted]. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention.

We have addressed this matter directly with [redacted] on August 11, 2014 via written correspondence. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact [redacted] directly.

Please contact the Executive Correspondence department Toll-free at [redacted] between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

Sincerely, [redacted] Executive Correspondence